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Author: gdett2 Big gold star, 5000 posts Old School Fool Ticker Guide Answer Team Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 77391  
Subject: Re: Poll: Investment style Date: 4/16/2013 12:47 PM
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Sorry. I guess I did not detect the wry twist of the quotes on ladder. ;-)

I thought about making a CD ladder when I retired in '05. We never did it since we always seemed to have our expense cash covered. We did some trimming of positions and took most dividends as cash at times.

After 2009, I pretty much decided the ladder would not be needed. We had enough cash and our IRA assets became available without the 10% penalty. We have our original IRAs from 1982(21% of our portfolio) that earn very nice interest. We can make a withdrawal and have cash in 3 days from there if needed. That works for me.

Currently, most of our dividends are in IRAs and we haven't withdrawn any funds from them yet. Our dividend core is 24 companies.

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